Fix and Flip Loans With Up to 100% of Purchase and Rehab Funded
Buy It. Fix It. Flip It. With 100% of Rehab Funded.
Keep your capital free for the next deal. Choose your financing track below and our 5-minute application matches your deal across our institutional and private lender network.
Apply Now ▸Why LOANKWEST Fix & Flip
Keep your cash for the next deal.
The fastest flippers don't tie up their own money in one house. We have programs that fund the purchase and the rehab, so your capital stays free for the next one.
Simplicity
Applying takes less than 5 minutes. Tell us about the deal and yourself in one short online form. No tax returns, no paperwork upfront and no credit pull to get started.
Flexibility
We have programs for every level, from first-time rehabbers to seasoned flippers with dozens of projects, and for credit scores from 400 to 850.
Built-In DSCR Rental Exit
Decide to hold instead of flip? We transition your short-term rehab loan into a long-term DSCR rental loan once the property is leased.
Track A · Highest Leverage
High leverage lending (even for 1st time flippers)
Leverage scales with your completed project track record. Every tier funds 100% of your rehab budget with single-digit starting rates.
92.5% Purchase
100% Rehab
7.5% Down
95% Purchase
100% Rehab
5% Down
100% Purchase
100% Rehab
$0 Down
- Rates
- 9.74% (Light/Mod) • 9.99% (Heavy)
- Min. Credit Score
- 700+ FICO
- Term & Prepay
- 12 Months • No Prepayment Penalty
- Lending Area
- Nationwide (All 50 States)
Track A deal calculator
Estimate only. Monthly payment assumes interest-only on the full loan amount. Rehab funds are usually released in draws, so actual interest is often lower. Requires a 700+ credit score. Closing costs and points not included. Final terms are set by the lender.
Track B · No Payments
Twelve months. Zero monthly payments.
No principal, no interest, and no monthly debt service during your 12-month renovation window. Keep your cash in materials and labor while interest accrues quietly until sale or refinance.
- Interest Rate
- 10% – 14% (Settled at Sale or Refi)
- Minimum Credit
- 640+ FICO • No Experience Req.
- Closing Costs
- Rolled Into Loan (Down Pmt Only at Close)
- Underwriting
- No Income Docs • No Reserves • No Full Appraisal
No credit pull to apply • Requires 640+ FICO • Most closing costs rolled into loan
Track C · No Min FICO
No Minimum FICO. No Appraisal. Quick Close
True asset-based private money for purchase and renovation together. Expect up to 80% of the purchase price; when purchase plus rehab comes in under 65% of ARV, the lender may cover up to 100% of cost. The property is valued in-house with zero income documentation, and deals close in 7 to 10 business days.
- Interest Rate & Points
- 9.99% – 15.99% Interest-Only (0–5 Pts)
- Minimum Credit
- No Minimum FICO
- Term & Prepay
- 6 – 18 Months • No Prepay After 90 Days
- Underwriting
- In-House Valuation • No Income Docs
No credit pull to apply • No external appraisal delay • Zero income docs required
More ways to fund a flip
Other fix & flip programs available.
Not a fit for Tracks A to C? These options cover the deals that don't fit in a box.
Rural Fix & Flip
Flips in rural and small-town markets that many lenders skip.
Apply Now ▸Foreign Nationals
Flip U.S. property without U.S. credit or residency.
Apply Now ▸Mid-Rehab Rescue
Stalled project or lender pulled out? Refinance and finish the job.
Apply Now ▸Joint Venture Partnerships
A capital partner funds the deal and you split the profit.
Learn more ▸Short on Cash to Close?
Unsecured GAP funding from $20K to $350K+, sized on your credit and income. No collateral.
Learn more ▸How it works
From contract to keys, fast.
Send the Deal
Five-minute form with your purchase, rehab and experience. No credit pull to apply.
We Match the Program
An advisor places you in Track A, B or C, or another option that fits.
Get Your Term Sheet
Review leverage, rate and payment, then lock in your lender.
Close & Start Work
Close fast. Draws fund as the work gets done.
FAQ
Common questions
FAQ
Common questions
How much do I need to bring to closing?
It depends on the program. Track A asks for 7.5% of the purchase price with 0 – 4 completed flips, 5% with 5 – 9 and nothing down with 10 or more. Track B typically asks for 10% of the purchase price, with most closing costs rolled into the loan. Track C typically funds up to 80% of the purchase price, and may cover up to 100% of cost when purchase plus rehab comes in under 65% of ARV.
How does the deferred payment program work?
Track B (No Payments) has a 12-month term with no monthly payments: no principal, no interest. Interest accrues and is paid when you sell or refinance before the term ends. Only the down payment is due at closing. Track B requires a 640+ FICO.
How do rehab draws work?
You complete a phase of work, request a draw, the lender sends an inspector, and funds are released, usually within about 48 hours.
I've never flipped a house. Can I still qualify?
Yes. With a 700+ score, Track A funds 92.5% of the purchase on light to moderate rehabs. Track B (No Payments) requires no prior flipping experience and a 640+ credit score, while Track C requires no minimum FICO.
What counts as a heavy rehab?
Generally structural work, additions, major layout changes or a full gut. Heavy rehabs on Track A are priced at 9.99% and require at least 5 completed projects.
Can I refinance into a rental loan afterward?
Yes. If you'd rather hold than sell, we can line up a DSCR loan to pay off the flip loan once the property is renovated and leased.
Are there prepayment penalties?
Tracks A and B have none. Track C has none after the first 90 days.
Will applying hurt my credit?
No. LOANKWEST never pulls your credit. The lender may run a credit check later, before closing and only with your authorization, once you choose to move forward.
Do I need an LLC?
Most lenders prefer or require closing in an LLC or corporation, with a personal guarantee.
Got a deal under contract? Get terms today.
No credit pull to apply. No commitment. One application, many lenders.
Apply Now ▸Partner program
Wholesalers & Agents: Help Your Buyers Close.
Deals fall apart when the buyer's money isn't ready. Send your investor buyers to LOANKWEST and get them funded in days.
Partner inquiries: loans@seqlending.com- Get credit on every funded loan you refer
- Keep investor clients from shopping you to a competitor
- One intake, dozens of lenders behind it
- Your name on the application via the referral field